Stock ETE NATIONAL BANK OF GREECE S.A.
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Financials National Bank of Greece S.A.

Equities

ETE

GRS003003035

Banks

Market Closed - Athens S.E.
Other stock markets
 10:19:32 2024-04-26 am EDT 		5-day change 1st Jan Change
7.7 EUR +1.85% Intraday chart for National Bank of Greece S.A. +8.54% +22.42%
Apr. 18 Greek economy surges after decade of pain RE
Mar. 12 Transcript : National Bank of Greece S.A., Q4 2023 Earnings Call, Mar 12, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 2,762 2,067 2,681 3,427 5,753 7,041 - -
Enterprise Value (EV) 1 2,762 2,067 2,681 3,427 5,753 7,041 7,041 7,041
P/E ratio -10.8 x 56.5 x 3.09 x 3.07 x 5.24 x 6.45 x 7.08 x 6.13 x
Yield - - - - - 5.41% 5.91% 6.91%
Capitalization / Revenue 1.64 x 0.82 x 1.41 x 1.66 x 2.1 x 2.64 x 2.8 x 2.64 x
EV / Revenue 1.64 x 0.82 x 1.41 x 1.66 x 2.1 x 2.64 x 2.8 x 2.64 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.53 x 0.41 x 0.47 x 0.53 x - 0.85 x 0.78 x 0.74 x
Nbr of stocks (in thousands) 914,503 914,027 914,556 914,695 914,561 914,352 - -
Reference price 2 3.020 2.261 2.932 3.747 6.290 7.700 7.700 7.700
Announcement Date 3/31/20 3/26/21 3/29/22 3/14/23 3/12/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,681 2,522 1,903 2,060 2,739 2,672 2,514 2,662
EBITDA - - - - - - - -
EBIT 1 839 1,708 1,120 1,255 1,810 1,753 1,584 1,625
Operating Margin 49.91% 67.72% 58.85% 60.92% 66.08% 65.61% 63.01% 61.03%
Earnings before Tax (EBT) 1 497 602 799 1,155 1,662 1,532 1,387 1,460
Net income 1 -255 38 867 1,120 1,106 1,095 987.7 1,140
Net margin -15.17% 1.51% 45.56% 54.37% 40.38% 41% 39.29% 42.84%
EPS 2 -0.2800 0.0400 0.9500 1.220 1.200 1.195 1.088 1.256
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 0.4163 0.4551 0.5320
Announcement Date 3/31/20 3/26/21 3/29/22 3/14/23 3/12/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 341 385 493 579 449 542 634 652 690 762 712.5 707.2 689.2 658.3
EBITDA - - - - - - - - - - - - - -
EBIT 1 160 157 301 385 250 - 433 - 481 499 504 - - -
Operating Margin 46.92% 40.78% 61.05% 66.49% 55.68% - 68.3% - 69.71% 65.49% 70.74% - - -
Earnings before Tax (EBT) 1 197 66 - 292 172 - 377 - - 463 449 - - -
Net income 1 192 100 - 186 134 - 260 - 261 315 320 297.9 249.2 203.2
Net margin 56.3% 25.97% - 32.12% 29.84% - 41.01% - 37.83% 41.34% 44.91% 42.12% 36.16% 30.87%
EPS 2 0.2100 - - 0.2000 0.1500 0.4800 - - - 0.3400 0.3511 0.3257 0.2724 0.2222
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 11/26/21 3/29/22 5/27/22 7/29/22 11/10/22 3/14/23 5/23/23 8/2/23 11/7/23 3/12/24 - - - -
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 11.7% 0.74% 16% 18.4% - 14% 12.1% 12.3%
ROA (Net income/ Total Assets) 0.93% 0.05% 1.07% 1.38% - 1.44% 1.14% 1.11%
Assets 1 -27,556 70,869 80,719 81,042 - 76,056 86,895 103,209
Book Value Per Share 2 5.750 5.530 6.290 7.050 - 9.070 9.880 10.40
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 3/31/20 3/26/21 3/29/22 3/14/23 3/12/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for National Bank of Greece S.A.

Trading Rating
Investor Rating
ESG Refinitiv
A
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
13
Last Close Price
7.7 EUR
Average target price
8.878 EUR
Spread / Average Target
+15.30%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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